About the brokerage
About Bridging Loans Hampshire
We sit between Hampshire investors, owner-occupiers and developers and the eight bridging lenders who price the work. Independent of any one funder, packaging biased to whatever moves your deal.
Who we are
We are a bridging brokerage covering the full county of Hampshire and the two Solent unitary authorities of Southampton and Portsmouth that sit inside the ceremonial county. Bridging is what we do every working day. Not a side product alongside term mortgages, not a referral relationship we maintain in case a client asks. The whole desk wakes up to auction calendars, refurbishment timelines, and the same eight lender contacts who price our work week in, week out. That focus is the point of working with us rather than a generalist mortgage broker.
How we got here
From single-deal packagers to a county-wide Hampshire desk.
The brokerage grew out of a packaging team that had been arranging short-term property finance for Hampshire investors since the post-2018 specialist-lender expansion. The shift from a few personal contacts at MT Finance and Together to a settled eight-lender panel happened gradually, as deal volume justified treating bridging as a discipline rather than an occasional product. By 2023 the desk was packaging more bridging loans than any other product line. In 2024 we split the bridging book out under its own brand to remove confusion with high-street term lending and focused county-wide rather than around a single town.
Today the Hampshire desk handles enquiries from auction buyers across the SO, PO, RG, SP and GU postcodes, owner-occupiers chain-broken in Winchester, Fleet and Petersfield, BTL landlords running refurbishments across Eastleigh, Fareham and Gosport, holiday-let investors on the New Forest fringe at Lymington and Ringwood, and small developers exiting practical completion in Basingstoke, Andover and Farnborough. The case mix is roughly two-thirds unregulated investor work, one-third regulated owner-occupier bridges introduced through our FCA-authorised partners.
What we are
A brokerage, not an adviser, and not a lender.
We arrange short-term property finance secured against UK property. We are a broker. We package the case, negotiate terms across the lender panel, and run it through to completion alongside the borrower's solicitor and the lender's legal team. We do not lend our own balance sheet and we do not advise. For regulated bridging, where the loan is secured against a property occupied or to be occupied by the borrower or an immediate family member, we introduce clients to FCA-authorised partners who carry out the regulated activity and provide any required advice. We are not directly FCA-authorised. For unregulated bridging on commercial, investment, BTL and refurbishment property, we package and place the case directly.
That separation matters. A broker who advises has to file recommendations and document why they fit the client's needs. We are not that party. We are the people who know which lender will price your specific deal sharpest this week, which valuers turn around the postcode area fastest, and which legal teams have the auction-pack appetite to complete inside 14 days.
The lender panel
Eight specialists who cover the bridging map.
We work most regularly with eight bridging specialists: MT Finance, Octane Capital, Roma Finance, United Trust Bank, Hope Capital, Together, LendInvest and Octopus Real Estate. Between them they cover regulated owner-occupier work, standard unregulated bridges, refurbishment to BTL exit, heavy refurb with structural change, development exit, and second-charge cases. Beyond the headline panel we maintain working relationships with Shawbrook, Precise Mortgages, Allica Bank, Bridgebank Capital, Avamore Capital, Glenhawk, Aldermore and Kuflink for cases that price better with them.
We do not claim whole-of-market reach. The panel is curated, with each lender priced and pitched for the case types they handle well. Sending a heavy refurb HMO conversion to a fast-turnaround standard bridger wastes a week. Sending a clean 65% LTV chain-break case to a heavy-refurb specialist wastes basis points. The packaging discipline is matching the case to the right desk first time.
Where we work
Across Hampshire and the wider South East.
The Hampshire footprint runs from Lymington and Ringwood on the New Forest coast in the south-west, across the Solent through Southampton and Portsmouth, north through Eastleigh, Winchester and Romsey, up to Basingstoke and Whitchurch on the M3 line, west to Andover on the Wiltshire border, and east through Fareham, Gosport, Havant, Waterlooville, Bishops Waltham, Petersfield and Alton toward the Surrey line. The northern fringe at Fleet, Farnborough and Aldershot picks up the Surrey commuter belt and the defence corridor around Aldershot Garrison and Farnborough Airport.
Beyond the county boundary we lend across the wider South East England region into West Sussex, East Sussex, Surrey, Berkshire, Wiltshire and parts of Dorset where the deal flow and the lender panel both make sense. Distance from any single Hampshire town is rarely the limit on whether we take a case. The limits are the strength of the security, the credibility of the exit, and whether the property type sits inside the bridging lender appetite. We turn down work where the exit is hand-waved or the security is thin. We say yes where the deal is real and the numbers work.
Industry membership and standards
How we keep the desk honest.
Our packaging discipline draws on the standards of the NACFB, the ASTL and the FIBA as the industry bodies that set the tone for short-term property lending in the UK. We do not use those memberships as a marketing badge in place of substance. We use the rate framework they reflect, the disclosure norms they expect, and the conduct standards they document, because those things make the case file cleaner and the client conversation straighter.
We do not pay for review-site placements or pay third parties for case studies. The case studies on this site are all real transactions, anonymised. The lender names we cite are lenders we have placed at least one bridge with in the past 18 months. The rate bands are the actual indicative terms we see on the desk today, not numbers stripped from a marketing brochure.
Regulatory note
Regulated bridging finance, where the loan is secured against a property occupied or to be occupied by the borrower or an immediate family member, is regulated by the Financial Conduct Authority. Unregulated bridging finance, including loans secured against commercial property, investment property, buy-to-let, and refurbishment projects, is not regulated by the Financial Conduct Authority. We are not directly FCA-authorised. For any regulated bridging requirement we introduce clients to FCA-authorised partners, who carry out the regulated activity and provide any required advice. We do not give advice on regulated mortgages, regulated bridging, or investment products.
Next step
Talk to a Hampshire bridging team.
A 15-minute triage call usually answers the practical questions: rate band, LTV, term, fees, completion window. Indicative lender terms typically follow inside 24 hours. We are at our most useful when the case has a clock on it.